Delaware State Police Federal Credit Union
Major Rating Factors:
Weak current capitalization (2.3 on a scale of 0 to 10) based on a net capital to total assets of 5.0 and a net worth ratio of 9.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.6 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.7, driven by a liquidity ratio of 24.3 percent and a “hot money” ratio of 3.8 percent. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Excellent (7.9) profitability.
Asset Mix:
Consumer loans (20%), home mtgs (16%), securities (4%), other (60%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
700 North Bedford Street
Georgetown, DE 19947
Georgetown, DE 19947
Phone Number
(302) 276-8600
NCUA Charter Number
Website
Largest Competitors
Dover, DE
Dover, DE
Seaford, DE
Wilmington, DE
Newark, DE